**Guest post written Aly Keller, an avid pianist, musicologist, and marketing analyst, as featured on Grassrootsy.com.

"Turns out, musicians often do make that decision [medical debt or a musical career]. Last year, 43% of them lacked insurance. And this is in the post-ACA (“Obamacare”) environment where health insurance has never been more accessible to employer-less freelancers. But is health insurance something you really want to go without?"